# ILTakeCare Insurance App — user reviews > 94 indexed App Store user reviews of ILTakeCare Insurance App by ICICI Lombard GIC Ltd, rated 4.00/5 from 69 ratings. - Source: https://appshunter.io/ios/app/iltakecare-insurance-app/id1462026635/reviews - App overview in markdown: https://appshunter.io/ios/app/iltakecare-insurance-app/id1462026635.md - Rating breakdown: 5★ 46 · 4★ 7 · 3★ 2 · 2★ 1 · 1★ 13 ## Newest reviews (12 of 94) ### 2/5 — Health Check-Up Reject *2026-07-01, version 4.1.21* Very disappointing experience. I booked a health check-up for my 20-year-old son, but it was rejected because your system incorrectly classified him as a child. I had entered his correct date of birth when purchasing the policy. When I contacted customer care, they said it was a system glitch. Later, the health check-up department asked me to call customer care and inform them that my son is an adult. It is surprising that your own system cannot identify his correct age despite having his date of birth. Moreover, when your representative visits for blood sample collection, they verify the Aadhaar card, which clearly confirms the insured person’s age. This issue should never have happened. Please fix your system, correct my son’s details, and improve the coordination between your customer care and health check-up teams. This experience has been very frustrating. ### 2/5 — Not the best experience *2026-02-26, version 4.1.11* I am covered under a corporate policy and have previously used the OPD cashless feature successfully. However, for the past few days, the app has stopped working properly. Initially, it was redirecting to the payment page instead of deducting from the OPD wallet despite showing “Cashless.” Now, it shows “Member Not Found” as soon as I click on “Book OPD” or “Order Medicine,” even though the UHID was working earlier. The issue is impacting access to healthcare services. Reinstalling the app has not helped. Requesting urgent backend fix and better stability for corporate users. ### 1/5 — Policyholder for 2 Years – Health Check-Up Benefit Is a Scam *2025-07-01, version 4.0.18* I’ve had an ICICI Lombard health insurance policy for over two years, and one of the listed benefits is a yearly health check-up. But despite trying multiple times over the last two years, the option never works — it either fails to load or stays stuck buffering. There is no working option to schedule a check-up, and no customer support responds regarding this issue. This feels like a deliberate way of avoiding a promised benefit. It’s very disappointing from such a reputed company. If you’re buying this policy for the health check-up feature, think twice. It simply doesn’t work. ### 1/5 — Very Frustrating Experience with OPD Booking *2025-06-11, version 4.0.16* The app is quite poorly designed, especially when it comes to booking OPD appointments. At first, it shows you a list of all the patients covered under the policy, which is great. But the moment you select a doctor, it automatically switches to the master policyholder and removes the option to book for dependents. This makes it impossible to book OPD appointments for anyone other than the primary insured, which defeats the purpose of having a family floater policy. It's confusing, unintuitive, and ends up wasting a lot of time. Please fix this issue — it’s a basic expectation for any insurance app to allow easy access to benefits for all covered members. ### 1/5 — The biggest fraud *2025-05-03, version 4.0.9* This is the 3rd time I’m trying to claim my motor insurance and i didn’t got a single approval and they just keep delaying and finally reject it anyways with any lame reason. My claim got rejected and when i got another accident and filed the claim then they say show me previous repair bills. If i could have afforded the repair then why would i had raised a claim. And why i had bought your policy if i only have to repair my vehicle. This time I’ve raised my claim in which i had a major accident that leads me to have a major surgery and I’ve even sent them every medical report to them but instead of resolving my claim , the agent doesn’t pick up the call anytime! I don’t know how busy they are that i keep calling them multiple times a day but they don’t respond to it. My insurance is about to expire and i think they are waiting for it to happen only! This time this company needs to legally answer these arbitrary behaviour and its carelessness and only Consumer Court can make it learn how to give services you’ve promised to your consumers! ### 1/5 — Never buy ICICI Lombard *2025-03-02, version 4.0.7* Ii have signed up for ICICI Lombard for me and my family for the last 2 years and my experience can be summed as dealing with a fraud agency and the experience with this app like a cyber crime. The philosophy of ICICI Lombard is anything but Nibhaye Vaade. We have not received any claims till date even after repeated follow up with their partner Checkmed. The doctors you book through the app either do not exist or do not seat in the hospital mentioned or the hospitals never gets the approval to do cashless. So you end up getting harassed and paying the price. Even the health check up which is in my plan could not be availed for 2 successive years. You may ask why renewed as they promised they are taking care of the issues but the helpline only say give us some time. And this is the height we are registered in Bangalore and the app only shows Mumbai locations and it cannot be changed to Bangalore. 1 year has passed like this and now they say they have upgraded the app for bigger crimes but I haven’t experienced it as I am unable to even upgrade 🥲 ### 1/5 — Worst App Ever *2025-02-23, version 4.0.5* I have never seem an app so buggy. You try to order medicines and upload a prescription, the prescription needs to be a digital one else the application rejects it and there is no proper reason mentioned any where and no way to contact anyone as the support number redirects to a virtual assistant. Once you select medicine quality in the prescription uploaded there is an issue in the application as the quality is not sent to the pharmacy and they call u back to confirm. Again you need to confirm it via app to get the medicines. You go to any benefits like booking and appointment, booking medicines etc, you can never come back to application as back button won’t work. Kill the app and then come back. You try speaking to customer support the virtual assistant handles only the questions that are provided and will not even respond if you all something else. There is no way to connect to human agent. You need to write a mail only after which you can speak to some human from the CS Not die how a premium organisation like this can have such a buggy and worst app ever. ### 1/5 — Don’t take insurance from ICICI Lombard *2025-02-20, version 4.0.5* I took comprehensive plan for my car. When I bought this policy, they don’t advised me for car inspection before talking insurance policy. Now my car got accident and they denied my claim by saying that your car inspection was not done at the time of taking insurance policy. Why company selling policy without car inspection? Company should advise car inspection at the time of sale of policy. Surveyor of ICICI Lombard also told me that this is company’s way of doing business. They are making fool pf the customers. ### 1/5 — App response *2025-01-21, version 4.0.3* Not useful at all. I have been trying to raise a claim for few days but the it’s not working. All other features including policy renewal can be done but only claim can’t. Basically they are interested to collect your money only. ### 3/5 — No OPS option available *2025-01-13, version 4.0.2* I am not getting the OPD claim option in my app. ### 3/5 — Purposely Delayed UI/UX for Filing Claims - Dark Pattern Usages *2024-09-29, version 3.0.56* 1) When user clicks “File A Claim” page loader simply runs for 15-20 minutes without any actual fetch or landing to claim creation page. 2) Users experiencing this infinite loader issues very frequently and for many days irrespective of how long users wait or how many times users try repeatedly. 3) Purposely delayed user experience to make filing a claim a non-easy process 4) Noteworthy challenge: Filing a claim is allowed only from apps and not allowed from websites as it just recommends to use app for claims. ### 1/5 — Worst experience *2024-09-06, version 3.0.52* They made claims an app only function probably to discourage people from raising claims or to make it next to impossible. Forstly, if your policy has just expired or about to expire good luck raising the claim. Secondly, if you manage to raise the claim this is what you get, "Dear Customer, we received your reimbursement claim request through ILTake Care mobile app Ref#, however we could not tag the claim due to incomplete and limited information provided on the mobile app. Kindly try re-uploading the documents in IL Take Care App or alternately you can dispatch the original claim documents to Hyderabad address mentioned on the claim form. Team ICICI Lombard Health Care " and when I go to the app there is no claim visible where I can upload the documents, so I need to mail the documents. Why is this app there at all then? Mind you this is after uploading all the mandatory documents without which you can't raisethe claim. I for one would never buy an ICICI lombard product ever again. ## Most critical reviews (10 lowest-rated) ### 1/5 — Worst app and service *2026-08-17, version 4.1.24* Very disappointing experience after purchasing the policy. They are very responsive when you are buying the policy, but once the policy is purchased, getting answers to even basic doubts becomes extremely difficult. Instead of properly explaining the terms and conditions, the response is often simply, “Please read the conditions mentioned.” The app also does not work properly, and even for basic app-related issues, we have to repeatedly follow up with emails. I have already sent more than 5 emails regarding the same issue, and it is still not resolved. Customer support should not end once the policy is sold. The post-purchase service and issue resolution need significant improvement. ### 1/5 — One of the worst insurance claim experiences I have ever had. *2026-07-21, version 4.1.22* My experience with ICICI Lombard has been extremely disappointing. The claim handling process was frustrating from start to finish. Despite submitting all the required documents and cooperating at every stage, my genuine claim was rejected without providing a clear, satisfactory, or customer-friendly explanation. The communication was poor, and instead of resolving the issue, I had to repeatedly follow up through calls and emails. It felt like the company was more focused on finding reasons to deny the claim than helping a genuine customer. An insurance company is expected to support its customers during difficult times, but unfortunately, that was not my experience with ICICI Lombard. Based on my experience, I cannot recommend this insurer to anyone. I hope the company improves its claim settlement process, transparency, and customer service. ### 1/5 — Fraud and scam Company *2026-05-06, version 4.1.16* It’s been almost over 15 days that I have given my bike in the service centre for these people to inspect and approve the claim. Every document is uploaded. They got estimation from the service centre but its still not approved. They are just waiting out on me so that I loose patience and do it on my own. After the inspection I was once able to speak with the claim manager assigned and that idiot is saying its old damage. I purchased the insurance in November 2025 and raising a claim in April 2026 and the fellow says its old damage. Now, no matter how many times I reach out to him, there’s no response. Dont ever buy this insurance. ### 1/5 — Worst app ever *2026-03-20, version 4.1.13* I had a very disappointing experience with ICICI Lombard. Despite having a valid motor insurance policy, my claim process was handled very poorly. The customer support was unresponsive and failed to provide clear updates. False allegations were made during the claim assessment, which led to unnecessary delays and stress. Instead of supporting the customer during a difficult situation, the process felt biased and unfair. I expected transparency and professionalism, but unfortunately, the service did not meet basic expectations. I would not recommend this app or insurance service to others based on my experience. ### 1/5 — Very Poor Chat Experience & App Performance *2026-03-02, version 4.1.11* I am writing this feedback out of genuine frustration with the app experience. The app is extremely slow and the chat system is very poorly designed. When booking an appointment with a doctor and sending a message in chat, there is no confirmation whether the message has been sent, delivered, or seen. There are no status indicators at all. Worse, after sending a message, I have to manually exit the chat and reopen it just to check whether the message was sent or if there is any reply. It feels like using an internet service from the year 2000 where you had to refresh repeatedly to see updates. This creates unnecessary anxiety when communicating with doctors, especially in situations that may be time-sensitive. It is surprising that such a basic functionality was released without proper testing. A healthcare app should prioritize smooth, real-time communication. I strongly request that you improve: • App speed and responsiveness • Real-time chat updates • Message status indicators (Sent, Delivered, Seen) • Push notifications that work reliably Please take this seriously and improve the user experience. ### 1/5 — ICICI Lumbard *2026-02-05, version 4.1.8* Zero rating…Very bad experience…they will not cover any treatment if you taken any out patient treatment medication previously with any condition.. This policy will help for newborns with any past medical history..waste policy do not recommend . ### 1/5 — Frequent crashes *2026-01-06, version 4.1.6* I haven’t been able to use the app at all as soon as I open it, it crashes and never works. ### 1/5 — Waste of having this App *2025-12-04, version 4.1.2* This app is one of the worst app in this App Store can say … none of the features works .. face scan .. who holds the phone and see the camera for more than a minute and then it says try again .. steps count… developers please check other apps on how the step counts work no one will enter the count manually it should track automatically .. just for the sake of creating the app it’s created to download the policy document only we can use it I guess .. and that bot Ria it really irritates on saying the same thing again and again .. overall I can give negative rating but you guys are lucky to have that there is no negative ratings .. dear icici don’t waste money on developing this kind of bug applications ### 1/5 — Worst experience in just 1 month *2025-11-29, version 4.1.2* I joined thinking since it is a corporate plan, I will get good service. Neither doctors are responsive nor is the customer care team. Their chat bot is the worst I have ever experienced. I am getting prescriptions with wrong age even though date of birth is set all right and even after doctor checking the patient (8 year old getting a prescription for 38 year old). Prescription is uploaded after 1 full day with a blunder - adult medicine for a child. I had to use other service - use another doctor to correct the prescription details and order the medicines. I will never come back - thank go there is just 4 months left for the money I paid. ### 1/5 — Extremely Disappointed with ICICI Lombard’s Service *2025-10-07, version 4.0.37* I had a leg injury, and my doctor recommended ACL and meniscus repair surgery costing around 2,90,000 Rupees. I hold an ICICI Lombard health insurance policy with an annual coverage limit of 6,00,000 rupees, which I haven't used this year. However, after completing all formalities and documentation, the insurance team approved only 64,000 rupees only. Now, I'm forced to pay the remaining amount myself, despite having a valid policy with sufficient coverage. This experience has been extremely disappointing and frustrating. I strongly advise others to think twice before choosing ICICI Lombard, as the service and claim process are far from reliable. ## Most praised reviews (10 highest-rated) ### 5/5 — free robux get? *2026-03-26, version 4.1.14* Robux 100% get? ### 5/5 — Diet consultation *2025-04-08, version 4.0.9* I’m incredibly grateful for Dietitian Rafiya’s expertise and thoughtful guidance. Her tailored approach and thorough knowledge of nutrition have empowered me to make smarter food choices while keeping my diet balanced and manageable. Rafiya takes the time to listen, offers practical advice, and makes healthy eating feel effortless and natural in my daily life. Her recommendations go beyond just food, focusing on holistic well-being, which has made my path to a healthier lifestyle both approachable and enjoyable. Thank you, Rafiya, for your invaluable support and ongoing encouragement! ### 5/5 — Great app *2025-03-29, version 4.0.8* I have taken my medical insurance from icici lombard and i am fully satisfied with the services they provide specially the diet support and tele consultation with doctors , i was looking for a dietitian so that they can guide me in getting a healthy diet and here i came across dietitian Rafiya , she heard all my queries and made me a special diet chart according to my routine , i would recommend all to download this app and take services from ICICI ### 5/5 — 🫱🏼‍🫲🏻 *2025-02-10, version 4.0.4* Thanks for understanding my concern and hearing me with patient, thank you psychologist Aswathy ### 5/5 — Consultation *2025-01-31, version 4.0.4* I truly appreciate the guidance and expertise of Dietitian Rafiya. Her personalized approach and deep understanding of nutrition have helped me make better food choices while maintaining a balanced and sustainable diet. She patiently listens to concerns, provides practical solutions, and ensures that healthy eating fits seamlessly into my lifestyle. Her recommendations are not just about food but also about overall well-being, making the journey to a healthier lifestyle much easier and enjoyable. Thank you, Rafiya, for your valuable insights and continuous support! ### 5/5 — Weight loss consultation *2024-10-02* I requested for weight loss consultation through app and Dietitian Samrudhi helped with customising diet plan based on my circumstances. She clearly understood the requirements and gave a detailed chart to follow. She also provided alternate options for every meal. Also she explained the importance of exercise along with diet. Great service. Thanks **Developer response:** Dear Sir/Madam, thank you so much for taking out some of your time to share your valuable feedback. ### 5/5 — Best Service *2024-09-13, version 3.0.52* I chose to use a chat service in the app and connected with a dietitian named Samrudhi. During our interaction, Samrudhi thoroughly reviewed all aspects of my lifestyle, including my eating habits, daily routines, and any specific health concerns I had. Based on this comprehensive analysis, she provided tailored dietary recommendations that would best suit my needs. Her approach was notably friendly and approachable, which made the consultation not only informative but also pleasant. Overall, it was a positive experience, and I felt well-guided in making healthier dietary choices. ### 5/5 — Extremely Useful *2024-09-03, version 3.0.52* Apart from regular details like e card, policy details, claims amount etc, this also has other features like Diet, Stress Management etc. I connected with dietician Samruddhi on this app and she was so helpful , made a customized diet chart according to my needs. I’d highly recommend people to use this app extensively as it has improved a lot after the latest update ### 5/5 — Thanks Dietician Rafiya *2024-08-13, version 3.0.50* Reached out to Health support for a diet plan , rafiya was good in understanding the requirement sharing the best fit diet suitable for my life style thanks keep the good work Dietician Rafiya ### 5/5 — Good to have this ICICI insurance *2024-01-20, version 3.0.33* Good to have this ICICI insurance --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*